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Own Your Home in Delhi with Tata Capital Home Loans

Affordable Yet Premium Realty

There is no shortage of affordable housing options in the country's heart and centre. Many developers have set up profile-based projects in the Capital, but without any compromises on quality. Home loans in Delhi are also easy to avail of. So, you can find a property to suit your taste, needs, and budget without difficulty. 

Access to World-Class Infrastructure

The city offers something for everyone. It has growing corporate hubs, well-developed healthcare and higher education institutes, and seamless interconnectivity with Metro, bus, and other public transits. Whether you want to make a home here or let out a property for rental income, India's Capital has just the right selection of properties. That's why taking a housing loan in Delhi to buy a home is always a good idea. 

  • Loan amount offered

    ₹5,00,000 - ₹5,00,00,000

  • Loan tenure

    Up to 30 years

  • Interest rate starting @

    8.75%* p.a.

    View Rates & Charges

Home Loan EMI Calculator

Loan amount
₹
₹75,000 ₹35,00,000
Loan duration
1 Years 6 Years
Loan duration
12 Months 72 Months
Rate of interest
%
10% p.a 19% p.a

Monthly EMI

  • Total Amount Payable

    0*

  • Total Interest Payable

    0*

Total Amount Payable

Total Interest Payable

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Calculate Home Loan EMI

Features and Benefits of Home Loan in Delhi

Delhi is a multi-cultural city with many career opportunities at the heart of the country. If you plan to purchase a house in Delhi, Tata Capital can help you accomplish that. Here are some features of a home loan in Delhi.

Attractive Interest Rates

With Tata Capital, home loans are as affordable as possible, and we offer the lowest interest rates on home loans in Delhi. Your monthly instalments will be much lower so you can move into your new house sooner.

Adequate Funds for Housing

Tata Capital extends home loans of up to Rs. 5 Crore. So, whether you plan to purchase a ready-to-move-in apartment or house or construct your dream house, you can do that with Tata capital’s home loan.

Easy-to-meet Eligibility Criteria

Tata Capital’s easy-to-meet eligibility criteria ensure that your loan is processed on time. We make sure that you get your dream house without any delay. You can use our Home Loan Eligibility Calculator to determine your eligibility in seconds.

Easy Repayment

We also make sure that loan repayment is not a burden. With Tata Capital, you get flexible loan tenure of up to 30 years so that you can repay the amount at your convenience.

Lasting Investment

Delhi is popular among youth for academics and careers. Every year, thousands move into the city to look for opportunities. So, your property will your valuable asset.

Home Loan Interest Rates in Delhi?

As a metropolitan, Delhi scores high on infrastructure, civic amenities, transit networks, and overall standard of living. Even access to a home loan in Delhi is relatively more straightforward. This makes the Capital a top-tier city for realty investment. 

Not convinced? Well, the home loan interest rates in Delhi are at a record low, which means you only pay smaller EMIs. If you have been eyeing a residential property for a while, now is a perfect time. With Tata Capital, you can get some of the lowest home loan rates in Delhi and become a proud homeowner in no time. 

We also have minimal documentation requirements, charge a nominal processing fee and zero hidden charges. Given the various benefits of borrowing a housing loan in Delhi from Tata Capital, why wait? Connect with us today!

Eligibility Criteria for a Home Loan in Delhi?

If you want information about the eligibility criteria for a Tata Capital loan, use our Eligibility Calculator. Simply fill out the required fields and determine your eligibility today.

Tata Capital’s eligibility criteria for home loans is listed below –

  • You must be between 24 and 65 years of age

  • Salaried applicant’s minimum salary and work experience: Rs. 30,000; 2 years

  • Self-employed applicant’s minimum work experience in the current field: 3 years

  • NRI (Non-Resident Indians) applicants must be salaried and hold a minimum work experience of 3 years

Documents Required for Home Loan in Delhi

  • Age Proof

    A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

  • Photo Identity Proof

    A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

  • Address Proof

    A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

  • Income Proof

    A copy of your Salary Slips for the last three months, Salary Bank Account Statements for the last six months, Appointment letter, Yearly increment letter, or a Certified true copy of Form 16

  • Existing Loan Details

    Existing loan details should be provided through Bank Statements or Loan Statements

  • Processing Fee Cheque

    To be issued from your salary account

  • Age Proof

    A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

  • Photo Identity Proof

    A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

  • Address Proof

    A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

  • Business Proof

    A copy of the last two years' Income Tax Returns, your Business Profile on a letterhead, or your Business Registration Certificate for business commencement

  • Income Proof

    A copy of the last three years' Profit & Loss (P/L) Projection Statement, Operative current account statement for the last six months, Bank statements for the last six months of CC/OD facilities (if taken)

  • Existing Loan Details

    Existing loan details should be provided through Bank statements or Loan statements

  • Processing Fee Cheque

    To be issued from your business account

  • Age Proof

    A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

  • Photo Identity Proof

    A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

  • Address Proof

    A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

  • Employment Proof

    A copy of your pay slips for the last six months along with the employment stability documents, such as your appointment letter or previous employment history

  • Income Proof

    Overseas salary account details for Indian NRE or NRO account statements for the last six months

  • Credit Report

    NRI applicants should submit a Credit Report of their current country of residence, wherever it is applicable as per Tata Capital norms

  • Existing Loan Details

    Existing loan details should be provided through Bank statements or Loan statements

  • Processing Fee Cheque

    To be issued from your salary account or business account

Visit our home loan document page to get the detailed list of documents required for availing a home loan.

How to apply for a Home Loan online in Delhi?

1

Firstly, fill out the application form with the correct details. Provide your personal, occupation, loan, and property details. This is done to check your eligibility.

2

After you apply for housing loan in Delhi your form is processed to provide a suitable loan offer. You're also prompted to upload the required documents.

3

After document verification, our experts will assess the property you're purchasing and generate an e-sanction letter. Download the same to avail your home loan.

4

Finally, the loan is approved, and the required funds are sent straight into your account.

Apply Now

Other Ways to Apply for a Home Loan in Delhi

  • Customer care: 18602676060

  • Email – contactus@tatacapital.com

  • Registered Branch –   
    Address 1: 2nd and 3rd floor ,A-9,Swasthya Vihar,Vikas Marg,New Delhi-110052
    Address 2: 1st & 2nd floor,B- 36 Lajpat Nagar-II New Delhi-110021(Above HDFC Bank)

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FAQ's on Housing Loan in Delhi

What is the minimum salary to avail of a home loan in Delhi?

To qualify for a Tata Capital home loan, salaried individuals need a minimum monthly income of ₹30,000.

How much is the downpayment on a home loan in Delhi?

The exact amount depends on factors such as the loan program, lender policies, and your financial profile.

Do I need to provide any security or collateral to apply for a home loan in Delhi?

Yes, you need to provide security or collateral.

How to Calculate EMI for Home Loan Online?

To calculate EMI for a home loan online, use Tata Capital's Home Loan EMI Calculator. Enter the loan amount, tenure, and interest rate to get an instant EMI estimate.

How long does it take to get a housing loan in Delhi?

The time to get a housing loan from Tata Capital typically depends on document verification and approval processes. With complete documentation and eligibility checks, loans can be approved quickly, often within a few days.

Can I prepay my home loan in Delhi? Are there any charges associated with it?

For floating interest rate loans, no prepayment charges apply. However, for fixed interest rate loans, nominal charges may be applicable.

Are there any additional charges for home loans in Delhi?

Yes, Tata Capital home loans may include additional charges such as processing fees, legal fees, valuation charges, and administrative costs. These charges vary based on the loan amount and terms.

How to get a home loan with a low cibil score in Delhi?

Improve credit, show stable income, offer collateral, get a guarantor, or opt for a higher interest rate.

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Looking for a bungalow or an apartment? With Tata Capital Home loans, find a dream home and make it your reality. Ab aapke sapnon ka ghar aapke naam! 

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